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  1. Thanks for the input! So it's cool to pay off the card with the balance and just keep using one and paying it in full? I kind of misspoke: I'm not actually paying interest as my only credit card with a balance has 0% interest until October 2021. The card I use, I pay in full each month. I use that card because it has the lowest limit and they keep telling me they won't increase the limit because I don't use the card enough. Maybe this is the time to apply for a card with "rewards"? (What exactly are rewards?) Thanks again.
  2. I am able to pay off my credit card, car and student loan (everything except my mortgage.) I have read that paying off most of your debt lowers your credit score. (Something about if you don't have to make payments then you can't show you make payments on time.) It has taken me years to get my 844, so of course I don't want it to drop. But I don't think I'm up for paying interest just to keep my score high. Also, if I pay my accounts in full, and use a credit card and carry a balance in the future, will my score lower more because the balance of what I owe has increased? T
  3. I rotate my cc debt to maintain 0% interest (the 3% fee is better than paying interest since I can't pay it off.) I recently transferred $5000 to my Discover card and now need to put $420 for car repair on a card. Does it make any difference if I transfer the $420 to my B of A card rather than add to the balance of the Discover card? Both B of A and Discover have 0% interest and will charge a 3% transfer fee but B of A's minimum payment is 1% and Discover's minimum payment is 2%. I should be able to pay off most of the $420 in a couple of months, but I would rather make s
  4. 2013 cars - same make, same model even same color. They have between 31,000 and 42,000. The 3 certified are $1800 - $2000 more than the "used" -and it has the lowest mileage. The $50 difference in monthly payment would cover my car insurance. I know what a "certified used" car is, but I have no idea if it's worth $2000. (And if the car that's not certified is somehow worse than the cars that are.) Thanks! mileage is 31,000 to 42,000. oops.
  5. Update: I ask how they arrived at the payment amount because it seems mathematically impossible. "Oh, well we use a loan calculator."That's what I've used and I come up with $580 monthly." "Well, which calculator were you using?" I used YOUR CREDIT UNION CALCULATOR, I used the the link from YOUR LOAN APPLICATION." "Let me check." Puts me on hold - "Oh, I see what happened, the person who called you with the approval included loan protection for you" "Really?" "Yes, it's always a good idea. If you're disabled or die your payments are covered." "Please remove it - I have disability insurance an
  6. They must be adding something somewhere and I'm sure were going to tell me about it at some point. I will ask as soon as I can actually talk to someone. Thanks for your help. If something like insurance were added to one's loan is it usually optional for a borrower to purchase it? And in general practice is a loan's rate tied to whether or not a borrower purchases things such as insurance that might be added to a loan?
  7. Same length for both - 48 months. Can the CU tell me that the 1.55% was only on a loan that includes the insurance they've added and quote a different rate for same amount and terms without it? Is CL & AH ins usually mandatory? (Which doesn't really make sense because I already have life and health insurance.) I wonder how they would think I would not notice that the payment wasn't mathematically correct.
  8. I emailed asking exactly what the payments would be and the Credit Union confirmed that their loan of $27,000 at 1.55% would have payments of $629 (it went up). And that's with automatic withdrawal. I spoke with the other lender and they confirmed that on their loan of $28,000 at 3.7% my payment would be $629. And that I was approved up to $50,000 at that rate for a used car 2009 or newer or a 2008 with 100,00 miles or less. Can I opt out of the "packing"? Is it illegal in California? This credit union has been my only bank for over 15 years. My checking, savings and mortgage are with
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